Gerber Life: A Guaranteed Issue Life Company

Gerber Life a guaranteed issue life company most important details for agents. Ratings, issue ages, face amounts, application submissions, and states available.

At A Glance

  • A-

  • 50-80

  • $5,000-$25,000

  • Paper, voice, & electronic options

  • Required

  • All except MT

Overview of Products

Highlights

  • Guaranteed Issue: No health questions on application & no medical exam

  • Provides Cash Value: As long as premiums are paid

  • Submit Business: Agency Portal with eSignature

  • Premium Payment Option:

    Direct monthly billing (slightly higher premium)

    Debit or credit card payment (slightly higher premium)

    Quarterly, Semi-Annual, and Annual Premium Payments

  • Submit Business: Use paper application or the agent portal

Two Year Graded Death Benefit Limitation

  • If Death Is Accidental In The First Two Years: Full death benefit shall be paid

  • If Death Is Not Accidental In The First Two Years: All premiums plus 10% interest shall be paid

  • After The Two-Year Graded Death Benefit Period: Death for any reason shall be paid full face amount

Lead Credit

Lead credit for independent insurance agents working withGerber life.

When Appointed with Gerber Life through Final Expense Brokerage you will receive $100 towards leads instantly.